How to use the Wise card in Australia

The Wise Card lets you do both. Linked to your Wise account, it lets you spend in Australian dollars locally, while your account can hold and convert 40+ currencies for travel, online shopping, or sending money home. If you already hold the currency you’re spending, Wise does not charge a card spending fee; when a conversion is needed, Wise uses the mid-market exchange rate and applies a conversion fee.

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At a glance: Benefits of using the Wise card in Australia

• Multi-currency support: Hold 40+ currencies and spend in the currency you already have, or let Wise convert automatically using the mid-market exchange rate and a conversion fee.
• Transparent conversion fees: There is no separate foreign transaction fee just for using the card abroad, and Wise shows its conversion fee upfront when a currency conversion is needed.
• Card fees: Ordering a physical card costs 10 AUD. There are no subscription fees, while replacing a card costs 6 AUD.
• ATM withdrawals: Withdraw up to 400 AUD per month with no Wise ATM fee. A 2.69% fee applies only to the amount above the 400 AUD monthly allowance.
• Virtual/digital card and mobile payments: Create a digital card and add it to Apple Pay or Google Pay for online and contactless payments.
• Safety and control: Freeze and unfreeze your card, receive transaction notifications, and use digital cards for an extra layer of security.

Can I get a Wise card in Australia?

Australian residents can order the Wise card online and use it for spending in AUD or in 40+ other currencies when travelling or shopping abroad. The card connects to your Wise account, so you can hold balances, spend directly from them, or let Wise convert automatically at the mid-market exchange rate with low fees.

Like in other regions, the Wise card comes with spending and ATM withdrawal limits which refresh daily and monthly.

You can check your personal limits in the Wise app and even set lower custom limits for extra security.

Wise also offers a business card in Australia, linked to the Wise Business account, which can be useful for freelancers, entrepreneurs, or business owners who need to pay suppliers and manage international expenses.

Using the Wise card for everyday transactions in Australia

Once your card is active, you can use it just like any other debit card for day-to-day purchases. It works in-store, online and with digital wallets such as Apple Pay and Google Wallet. You can also create a virtual card for safer online shopping, while the Wise app shows you spending categories and instant notifications, so you always know where your money is going.

Everyday uses for your Wise card in Australia:

• Shopping and dining: Pay for groceries, meals out, or everyday purchases in AUD with no extra foreign transaction fees.
• Transportation: Use your card for contactless travel payments or to top up your public transport transit accounts.
• Online purchases: Shop with international retailers and let Wise convert automatically at the mid-market exchange rate.
• Mobile and virtual payments: Add your Wise card to Apple Pay or Google Wallet, or create a virtual card for extra security when shopping online.
• Budget tracking: Get instant spend notifications and view spending categories such as groceries or transport.
• Security features: Freeze or unfreeze your card instantly in the Wise app if it’s lost or stolen.

Managing your card with the Wise app

The Wise app makes it simple to manage your card and account wherever you are in Australia.

You can add money to your account, convert currencies and set spending limits in just a few taps. Every transaction is tracked in real time, so you’ll always know how much you’ve spent and in which category.

Need to adjust how you use your card? You can freeze and unfreeze it instantly, set alerts, or order a virtual card for secure online shopping.

If you travel abroad, the app also lets you switch between currencies at the mid-market exchange rate, with fees you can see upfront before you confirm the exchange.

How do I put money on my Wise card?

You can add money to your Wise account in the app and then spend the balance with your card. The payment methods available depend on the amount, currency and your region; Wise may offer options such as bank transfer or card payment. Any applicable fee is shown before you confirm.

Wise does not accept cash or cheques, so you can’t deposit cash into your Wise account at an ATM. Add money using one of the electronic payment methods shown in your account instead.

Wise card fees in Australia

The Wise card has straightforward pricing, with no subscription or annual fees. You simply pay a one-time fee to order the card, and then only small charges if you go over the free limits for ATM withdrawals or need a replacement card. If Wise converts money for you, the mid-market rate is used with a low, transparent fee.

Information checked on 17 August 2026

Is the Wise card safe to use?

Built with multiple security features, the Wise card and account include security controls for use in Australia and abroad. Wise uses two-factor authentication (2FA) to help protect access to your account, while the card can be frozen and unfrozen in the app and Wise provides transaction notifications so you can quickly spot unfamiliar activity.

If you ever misplace your card, you can freeze or unfreeze it straight away in the Wise app or cancel it and order a replacement in emergencies. For extra protection online, you can also generate a virtual card to keep your main card details private.

To stay secure while using your Wise card in Australia and abroad:

• Enable instant notifications to keep track of every transaction.
• Freeze your card in the app immediately if it’s lost or stolen.
• Avoid sharing your PIN or login details with anyone.
• Use ATMs in safe, well-lit locations when withdrawing cash.
• Review your spending history in the app regularly and set spending limits if needed.

Learn more about Wise safety and security.

How to get a Wise card in Australia

Ordering a Wise card in Australia is simple and can be done entirely online. The card costs 10 AUD to order, with standard delivery taking 7–14 working days. Express delivery starts from 16 AUD; Wise’s Help Centre lists expedited delivery to Australia as taking up to four working days once the card has been produced.

While you wait, you can also create a digital card instantly in the Wise app to start shopping online or add to your mobile wallet. Wise only issues one physical card per customer, but you can create up to three digital cards at the same time in the app for an extra layer of security for online shopping or subscriptions. 

Steps to order your Wise card:

1. Open a Wise account: You’ll need an active account before you can order the card.
2. Verify your identity: Provide your passport, driver’s licence, or other accepted ID. In some cases, you may also be asked for proof of address.
3. Order your card in the app or online: Go to the “Cards” tab and follow the steps to pay the order fee.
4. Wait for delivery: Standard delivery to Australia usually takes 7–14 working days. Express delivery starts from 16 AUD, and Wise’s Help Centre lists expedited delivery as taking up to four working days once the card has been produced.

Once your card arrives, you can activate it easily. For most customers, a first Chip and PIN payment activates the card. Cards issued in Australia can also be activated in the Wise app or website using the 6-digit activation code supplied with the card. After activation, the card is ready to use for purchases in-store, online, or abroad.

Full details on ordering are available on Wise’s How do I order a Wise card? page.

Moving to Australia

If you already have a Wise card before relocating to Australia, you can usually keep using it until it expires – although you may not be able to order a replacement card if your new address is in a country where Wise cards aren’t available. You can find the full list of eligible countries on the Wise Help Centre.

Card availability is based on licences for each country and region, so some relocations require a new card. Wise says you need a new card if you relocate to the Philippines, Malaysia, or Türkiye, or if you move to or from the US.

If you move to Israel or Hong Kong, Wise says it must automatically block your existing Wise cards and cannot issue a new card there at present. If you are moving from either place to Australia, update and verify your Australian address first; Australia is an eligible Wise card country, so you can then order a card subject to Wise’s normal eligibility checks.

Wise cards are available in Australia, so once your Australian address is updated and any required verification is complete, you can order one. The physical card costs 10 AUD, with standard delivery usually taking 7–14 working days; express delivery starts from 16 AUD. While you wait for the physical card, you can create a digital card in the app and start spending from eligible balances. If your current country isn’t eligible yet, you can join the Wise card waitlist and be notified when cards become available.

Where can I use my Wise card?

The Wise card is built for life at home and abroad. Wise says its digital card can be used online and in stores in 150 countries and territories, subject to card acceptance and Wise’s country restrictions, and you can withdraw local cash at supported ATMs. For expats in Australia, this means you can use the same card for groceries in Sydney, a weekend trip to New Zealand, or a family visit back home without a separate foreign transaction fee from Wise.

Because the card connects to your Wise account, you can hold over 40 currencies at once and spend directly from those balances. If you don’t already have the right currency, Wise’s smart conversion steps in automatically, so you’re always getting the mid-market exchange rate with a small, transparent fee. More information on supported countries and currencies is available in the Wise Help Centre.

Using the Wise card for international travel

When you’re travelling from Australia, the Wise card works like a local debit card in each destination. You can spend directly in the currency you hold, or Wise will convert from another balance using smart conversion technology.

For example, if you’re paying 50 GBP at a cafe in London and you already have pounds in your Wise account, the money will come straight from that balance with no extra conversion fee. If you don’t have GBP, Wise may switch the amount from your AUD or NZD balance – whichever gives you the lowest cost or the best available rate. The whole process is automatic, so you don’t need to choose balances before you travel.

Ways to use the Wise card while travelling abroad:

• Pay abroad: Use your card at supported merchants across 150 countries and territories, subject to Wise’s country restrictions.
• Withdraw local cash: Take money out from ATMs worldwide, within your free monthly allowance.
• Smart conversion: If you don’t hold the local currency, Wise automatically converts from the balance that gives you the best deal.
• Virtual cards: Create a digital card for safer online bookings, travel reservations, or subscription services abroad.
• Mobile wallets: Add your Wise card to Apple Pay or Google Wallet and pay contactless with your phone or smartwatch.
• Track your spending: See transactions sorted by category, like travel, dining, or transport, so you can stick to your budget.
• Stay secure: Freeze or unfreeze your card instantly in the app if it’s ever lost or stolen while you’re travelling.

What are my Wise card spending limits?

Every Wise card has spending and withdrawal limits to help keep your money safe and manageable. In Australia, these limits apply across all the cards linked to your account, and cover both ATM withdrawals and purchases made in-store or online.

You’ll have a daily limit, which refreshes every midnight, and a monthly limit, which resets at the start of each month. These limits set the maximum amount you can spend or withdraw within those periods. If you’d like more control, you can also set your own lower daily or monthly caps for individual cards in the Wise app if you want to stick to a budget or limit online shopping.

If you ever need more flexibility, you can increase your account limits within the app or online, up to the maximum allowed in Australia. And if you move abroad and update your registered address, your limits will automatically update to reflect the rules in your new country of residence.

Key takeaways

• Australian residents can order the Wise card for a one-time fee of 10 AUD, with optional express delivery starting from 16 AUD.
• The card supports spending in 40+ currencies and Wise says its digital card can be used in 150 countries and territories, subject to local acceptance and Wise’s country restrictions.
• A digital card is available instantly in the Wise app and can be added to Apple Pay or Google Wallet while you wait for your physical card.
• Everyday spending, online purchases and ATM withdrawals are supported, with automatic conversion at the mid-market exchange rate if you don’t hold the local currency.
• If you move to Australia, you can usually keep an activated Wise card until it expires, but relocation exceptions apply; for example, moving to or from the US requires a new card.
• The Wise app lets you manage your card with ease: track spending by category, freeze or unfreeze your card, set limits and create virtual cards for extra security.
• Default spending and withdrawal limits apply, but you can adjust them in the app or online at any time.

Useful resources

• Wise Australia – Card fees: Current card order, replacement, digital card and ATM pricing
• Wise Australia – Pricing: Current conversion fees and other Wise account charges
• Wise Help Centre – Card spending limits: Check daily, monthly, card and ATM withdrawal limits
• Wise Help Centre – Ordering your Wise card: Card eligibility, ordering, delivery and activation
• Wise Help Centre – Adding money: How to add money and choose an available payment method
• Wise Help Centre – Smart Conversion: How Wise selects a currency when you do not hold the transaction currency
• Wise Help Centre – Safety and security: How Wise safeguards money and protects accounts
• Wise Help Centre – Card availability and moving country: Eligible countries and relocation rules